Shares, Checking, Certificates, IRAs and Money Market Accounts
| Description | Interest Rate | Annual Percentage Yield (APY) | Minimum Balance | Minimum to Open | Title-Date | More Info |
|---|---|---|---|---|---|---|
| Intelligent Checking Qualifying $0—$25,000 |
1.982% | 2.000% | $0.00 | $0.00 | ||
| Intelligent Checking Qualifying $25,000+ |
0.747% | 0.750% | $0.00 | $0.00 | ||
| Intelligent Checking Non Qualifying | 0.050% | 0.05% | $0.00 | $0.00 | ||
| Interest Checking | 0.050% | 0.05% | $0.00 | $0.00 | ||
| Regular Shares (Savings) | 0.050% | 0.05% | $100.00 | $5.00 | ||
| IRA Shares | 0.300% | 0.30% | $0.00 | $0.00 | ||
| Roth IRA Shares | 0.300% | 0.30% | $0.00 | $0.00 |
* Fees could reduce earnings on this account. Rate may change at any time after account is open. Click here for full account disclosures.
| Term | Interest Rate | Annual Percentage Yield (APY) | Member Perks Rate | Member Perks APY | Title-Date | More Info |
|---|---|---|---|---|---|---|
| 3 Month | 0.200% | 0.200% | 0.450% | 0.451% | ||
| 6 Month | 0.399% | 0.400% | 0.649% | 0.651% | ||
| 12 Month | 0.499% | 0.500% | 0.749% | 0.751% | ||
| 24 Month | 0.698% | 0.700% | 0.948% | 0.952% | ||
| 36 Month | 0.748% | 0.750% | 0.998% | 1.002% | ||
| 60 Month | 0.798% | 0.800% | 1.048% | 1.052% |
* Fees could reduce earnings on these accounts. Rates may change at any time after account opening. A penalty may be imposed for early withdrawal. Click here for full account disclosures.
| Term | Interest Rate | Annual Percentage Yield (APY) | Member Perks Interest Rate | Member Perks APY | Title-Date | More Info |
|---|---|---|---|---|---|---|
| 3 Month | 0.200% | 0.200% | 0.450% | 0.451% | ||
| 6 Month | 0.399% | 0.400% | 0.649% | 0.651% | ||
| 12 Month | 0.499% | 0.500% | 0.749% | 0.751% | ||
| 24 Month | 0.698% | 0.700% | 0.948% | 0.952% | ||
| 36 Month | 0.748% | 0.750% | 0.998% | 1.002% | ||
| 60 Month | 0.798% | 0.800% | 1.048% | 1.052% |
* Fees could reduce earnings on these accounts. Rates may change at any time after account opening. A penalty may be imposed for early withdrawal. Click here for full account disclosures.
| Description | Interest Rate | Annual Percentage Yield (APY) | Minimum Balance | Minimum to Open | Title-Date | More Info |
|---|---|---|---|---|---|---|
| $0—$999.99 | 0.050% | 0.050% | $1,000.00 | $0.00 | ||
| $1,000—$9,999.99 | 0.050% | 0.050% | $1,000.00 | $1,000.00 | ||
| $10,000—$49,999.99 | 0.100% | 0.100% | $10,000.00 | $1,000.00 | ||
| $50,000—$99,999.99 | 0.150% | 0.150% | $50,000.00 | $1,000.00 | ||
| $100,000+ | 0.150% | 0.150% | $100,000.00 | $1,000.00 |
* Fees could reduce earnings on these accounts. Rates may change at any time, including after account is opened. Click here for full account disclosures.
Auto, Motorcycle, Boat, RV, Personal, Home Equity Line of Credit and Credit Cards
| Loan Type | APR | Payment Schedule | Monthly Payment Per $1,000 Borrowed |
Title-Date | More Info |
|---|---|---|---|---|---|
| 2016 & Newer | 3.39% - 16.34% | up to 60 months | $18.17 - $24.67 | ||
| 3.49% - 16.99% | up to 72 months | $15.44 - $22.40 | |||
| 3.79% - 7.19% | up to 84 months | $13.60 - $15.24 | |||
| 2012 — 2015 | 3.69% - 16.64% | up to 60 months | $18.31 - $24.83 | ||
| 3.79% - 17.29% | up to 72 months | $15.58 - $22.57 | |||
| 4.09% - 7.49% | up to 84 months | $13.74 - $15.39 | |||
| 2000-2011 | 4.89% - 17.84% | up to 66 months | $17.35 - $24.06 |
* APR = Annual Percentage Rate. Actual rates depend on member credit qualifications, including term of the loan, age of the vehicle, credit, and employment history.
| Loan Type | APR | Payment Schedule | Monthly Payment Per $1,000 Borrowed |
Title-Date | More Info |
|---|---|---|---|---|---|
| 2018 — 2020 | 4.53% - 17.34% | up to 60 months | $18.67 - $25.04 | ||
| 6.04% - 18.14% | up to 120 months | $11.12 - $18.11 | |||
| 6.54% - 18.64% | up to 180 months | $8.73 - $16.57 | |||
| 2017 & Older | 5.03% - 17.84% | up to 60 months | $18.88 - $25.31 | ||
| 6.54% - 18.64% | up to 120 months | $11.37 - $18.43 | |||
| 7.04% - 19.14% | up to 180 months | $9.01 - $16.93 |
* APR = Annual Percentage Rate. Actual rates depend on member credit qualifications, including term of loan, age of vehicle, credit and employment history.
| Loan Type | APR | Payment Schedule | Payment Per $1000 Borrowed | Title-Date | More Info |
|---|---|---|---|---|---|
| Personal Loans | 7.99% - 18.24% | up to 48 months | $24.50 - $29.73 |
* APR = Annual Percentage Rate. Qualification is based on assessment of individual credit worthiness and our underwriting standards. All credit union loan programs, rates, terms and conditions are subject to change at any time without notice.
| Loan Type | APR | Index / Margin | Title-Date | More Info | Effective Date |
|---|---|---|---|---|---|
| Personal Access Line of Credit | 12.00% Variable | Prime Rate | 5% | |||
| Share/Certificate Secured | Variable | Share/Certificate Rate | 3% |
* APR = Annual Percentage Rate. Rate is variable and may change. Personal Access Line of Credit Qualification is based on assessment of individual credit worthiness and our underwriting standards. All credit union loan programs, rates, terms and conditions are subject to change at any time without notice.
| Loan Type | APR | Fixed or Variable Rate | Index | Margin | Annual Fee | Title-Date | More Info |
|---|---|---|---|---|---|---|---|
| up to 80% Home Equity Line of Credit | 3.75% - 5.00% | Variable | Prime Rate | -.25% - 1.75% | $35 | ||
| 85% Home Equity Line of Credit | 4.75% - 5.75% | Variable | Prime Rate | .50% - 2.50% | $35 | ||
| 90% Home Equity Line of Credit | 4.50% - 5.50% | Variable | Prime Rate | 1.25% - 2.25% | $35 |
* APR = Annual Percentage Rate. Actual rates depend on member credit qualifications including credit and employment history, and amount of equity in the property. The current Wall Street Journal prime index rate is 3.25%. We add a margin to the index to determine the actual interest rate. The minimum APR is 3.75% The maximum APR is 15.00%. Rates for fixed term conversions taken against the line range from 5.00% APR to 8.50% APR. Loan Costs: Range between $155 and $1,500 to cover third party costs, and are paid by the borrower. Learn more about Home Equity.
| Loan Type | APR for Purchases | APR for Cash Advances | Title-Date | More Info | Effective Date |
|---|---|---|---|---|---|
| Visa Platinum | 7.24% - 17.24% | 7.24% - 17.24% | |||
| Visa Platinum Rewards | 9.24% - 18.24% | 9.24% - 18.24% |
* APR = Annual Percentage Rate. The current Wall Street Journal prime index rate is 3.25%. We add a margin to the index to determine the actual interest rate. The rate is variable and may change. Qualification is based on assessment of individual credit worthiness and our underwriting standards. All credit union loan programs, rates, terms and conditions are subject to change at any time without notice. Visa Platinum Information | Visa Platinum Rewards Information.
Refinance and Purchase
* The Annual Percentage Rates (APRs) for the 30 Year Fixed and 15 Year Fixed are calculated based on a purchase/refinance of single family, owner occupied residence with a down payment or existing equity of 40%, a loan amount less than $510,400.00 and a property located in Clark Co, WA.
The APR includes the approximate cost of prepaid finance charges, including 15 days of prepaid interest, a $845.00 processing fee, and any applicable points associated with the interest rate. Actual APRs for individual loans may differ.
Adjustable Rate Mortgage (ARM) interest rates and payments are subject to change during the loan term. That change can increase or decrease your monthly payment. These mortgage rates are based upon a variety of assumptions and conditions, some of which may include a credit score of 720 or higher. Your loan’s interest rate will depend on specific characteristics of your transaction and your credit profile up to the time of closing.
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If you use links provided on this iQ Credit Union web site to third party Internet sites and services, you acknowledge that you are leaving iQ Credit Union's website and are going to a website that is not operated by the credit union. iQ Credit Union is not responsible for the content or availability of linked sites. iQ Credit Union does not represent either the third party or the member if you enter into a transaction; and privacy and security policies may differ from those practiced by the credit union.
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